medicare for all

COVID 19 PANDEMIC

DrPalavaliLeave a comment

WAKE UP CALL TO DOCTORS, TO RISE UP, ORGANIZE AND LEAD

I have only read about or watched devastating pandemics in science fiction novels or movies. I never thought I would experience any in my lifetime, but I am living one in realtime, right now, and it is scary!  Even though I am a neurosurgeon, I am not on the frontlines dealing with the pandemic as the heroic ER, ICU, pulmonary, and infectious diseases doctors and nurses, as well as, the first responders of all stripes. I cancelled all my elective surgeries even before there was a recommendation from the National Surgical Associations, to prevent my patients from exposure to the virus and to avoid taking up necessary protective equipment or ventilators needed for COVID 19 patients. I only have to go to the hospital and do surgery in a situation of life and death from brain trauma or hemorrhages. In spite of being a doctor, I can not even imagine or comprehend the degree of fear, anxiety, suffering and loss of life of all those who are engaged in the battle against this invisible enemy that is ravaging the globe. 

To add fuel to the fire of emotional angst of healthcare workers, we have hospitals scrambling for basic life saving Personal Protective Equipment (PPE), ventilators and even swabs for testing kits. The virus is inflicting unprecedented loss of healthcare professionals of all categories and first responders. Their numbers are dwindling; many from getting sick and some even dying due to lack of necessary vital protection at a time when their services are badly needed more than ever. How is this even possible in the nation that is the richest economy and spends the highest amount of money for healthcare in the world; 3.5 trillion dollars annually, yet is leading in the number of COVID 19 cases and possibly will also lead in fatalities in the world? Is it because most of that money has been going to greedy profit driven healthcare businesses as profits rather than for preventive and public health leaving many uninsured or underinsured. Consequently many with untreated underlying diseases have become susceptible to the virus and perished. Thanks to the powerful private health insurance and pharmaceutical companies, medical equipment manufacturers and profit driven entrepreneurs controlling healthcare in America, the doctors and nurses are standing on the sidelines, helpless! 

To make matters worse, we have a President who ignored the early warnings of potential medical disaster of pandemic proportions, relied heavily on his “hunch” and told the nation and the world that the virus would disappear like magic. He trusts private enterprises to save the country from the ravages of the pandemic rather than the need for and power of a well organized and coordinated governmental effort based on science based recommendations. His labeling the invisible enemy that is running rampant as political democratic hoax might have and continues to cost many lives. Delay to prepare, test, contain and suppress the virus in a timely manner is the consequence of the political gamble and utter disrespect for the disease as mere flu. Meanwhile the frontline doctors, nurses and first responders are afflicted by the highly contagious as well as deadlier virus and are dying from inadequate and ill-fitting personal protection equipment. It is hard to believe we are facing this in America and not in a third world country as is usually seen, and unfortunately expected.  It is a sad scene to see the helplessness of the healthcare and first responder soldiers in this unprecedented war against the virus. 

How can the doctors and nurses who are in the trenches alleviating suffering and saving lives, be dictated by these businessmen and not be in control themselves?

Our Commander in Chief, who did label this a “war against the invisible enemy,” is missing in action. He is dragging his feet to fully activate the Defense Production Act that could make a life or death difference for many citizens and healthcare workers fighting to save the sick as well as themselves. Physicians and nurses, who are voicing their concerns about the deplorable lack of life saving equipment to fight this war against the virus, are either being silenced or fired by the non-medical MBA hospital administrators. I am not sure if any of those Masters of Business Administration graduates even dare to enter a COVID 19 ward donning the personal protective equipment (PPE). The for profit hospital administrators consider caring for patients a commercial business rather than the sacred calling doctors have taken Hippocratic Oath for. How can the doctors and nurses who are in the trenches alleviating suffering and saving lives, be dictated by these businessmen and not be in control themselves? 

The virus is forcing doctors to rethink their role as not only healers but leaders in delivering necessary and optimal healthcare. Unfortunately, for decades physicians were not leaders and gave the reins of healthcare delivery to the greedy profit driven special interest healthcare businessmen who took the reins and ran. No! They galloped with millions of dollars in profits, laughing all the way to the bank. The time is now for the doctors to take charge and to cure the illness of greed that is eating away our healthcare and is responsible for the dire straits the pandemic has pushed the nation into. But first the virus has to be contained, suppressed and defeated, which will be a monumental task under the current medical and political conditions. There will be millions infected and tens, if not hundreds, of thousands of citizens succumbing to the wrath of the virus. There will be unimaginable and prolonged grief.  When we come out of this disaster the doctors and nurses and other healthcare workers have to roll their sleeves up, lead and change future healthcare delivery, including public health. It will be criminal on the part of the physicians to follow or allow the greedy profiteers and corrupt politicians to continue the healthcare business. Of course, that can’t be achieved without the involvement of grass roots citizen political participation to replace the current uninformed and incompetent politicians beholden to the special interest lobbyists for their personal political and financial benefit. A transparent, well organized, co-ordinated, science based and well funded governmental support is imperative to fight the current pandemic and prevent any in future.

In the effort to bring much needed future change to the current pathetic healthcare situation in America, it is well worth for the doctors to remember the past and not make the same mistakes the American Medical Association (AMA) made through out the history of American healthcare reform. From the very beginning of 20th century AMA took a stance against any governmental involvement or effort to provide universal health insurance, calling it Communism and Socialism. The leaders of AMA told the government to stay away from their professional lives. They fought hard against FDR’s wish to bring health insurance to the elderly and sick, warning they would even prevent Social Security legislation from being passed. Later, AMA fought even harder against Truman’s effort to provide health insurance to all the citizens. In 1945 AMA mandated its members to contribute $25 each to resist national health insurance. They spent $1.5 million on the most expensive lobbying effort in American history at that time to defeat government’s effort to make health insurance available to all Americans. The AMA leadership and members claimed to care more about their own professional freedom from government and possibly their bottom line rather than the health and well being of the citizens. 

President Trump and many of the current politicians beholden to the special interests will not bring any healthcare reform. In fact Trump’s policies are destroying Medicare and Medicaid and many current provisions and protections of the ACA. They are not allowing enrollment to ACA exchanges even in these frightening times of healthcare apocalypse for millions of the citizens. It is high time for doctors to remember their calling and fight for universal healthcare that allows them provide adequate quality care for patients when they are sick, and also help them prevent sickness.  It is sad that a viral infection of pandemic proportions had to shine light on the pitiful state of affairs of public health infrastructure in America. Hopefully we have learnt the lesson and make effective public health a reality in our nation. It is critical to create and put a public health machinery in place where true scientists can implement the necessary prevention, containment and  mitigation steps, free of influence from uninformed, science bashing, go by their “hunch” politicians. 

For physicians all across our land the time is now to speak out, join forces, inform ourselves as well as the general public and lead the healthcare reform movement. Holding the greedy, opportunistic health insurance, PHRMA and medical equipment manufacturer companies accountable is a must, but is going to be difficult in this relatively uncontrolled, unregulated capitalistic dog-eat-dog world. When doctors, nurses and first responders on the front lines are risking their lives to heal the sick on the daily and begging for protective masks, selling a life saving face mask for 7 dollars that actually costs 75 cents is not only criminal but down right evil, but is accepted as capitalism. Even Adam Smith, considered the father of Laissez faire market economy, is rolling in his grave; he said prices have to be just in such economy. There is good capitalism that is essential for creativity, innovation and meeting the demand of necessary equipment and then there is greedy capitalism. A nudging hand of government that wields necessary influence in times of devastating pandemic to mandate production of necessary life saving equipment and prevents price gauging is not socialism; it is humanism. As James Madison said, “If men were angels there is no necessity for government.” But then many CEOs of health insurance, PHARMA, medical device and equipment manufacturer businessmen are not angels. Hence the necessity for the role of a responsible government as well as masks and Medicare for All.

An unprepared, negligent surgeon is a dangerous surgeon and harms one patient at a time but a negligent, unprepared president is more dangerous as he harms thousands, if not millions, of citizens at a time. In 21st century, with all the available advanced technology and communication capabilities the fact that the richest and the most powerful laissez fair capitalistic America is relying on exports of life saving masks from a communist China that exported COVID 19 (knowingly or unknowingly) is as unbelievable as the pandemic itself. 

The irony cuts like a knife or should I say, kills like COVID 19!

Healthcare: USA vs. Western Developed Nations

DrPalavaliLeave a comment
Some facts I’ve learned from my experiences as a neurosurgeon.

Before Obamacare

American healthcare is an enormous medical industrial business complex. It’s current annual cost is around 3.5 trillion dollars and is 17% of GDP, soon to grow higher. There is a lot more to the complicated healthcare business than meets the eye, involving many different players including doctors, patients, insurance companies, hospital administrators, pharmaceuticals, medical device manufacturers, diagnostics, nursing, home health services and of course the middlemen medical supply companies. While many of these players are conscientiously concerned about healing the sick, there are some in the industry who are trying to make a quick buck, if not incredible fortunes. Consequently, America spends the highest amount of money per capita (over $10,000) for healthcare. In spite of such high expenditures, America’s healthcare not only has less than adequate outcomes, but also leaves millions of it’s citizens uninsured and many more underinsured. On the other hand, many OECD (The Organization for Economic Co-operation and Development) countries provide universal healthcare spending an average of around $5000 per capita. They seem to get a better for their buck!

I believe one’s impression of American healthcare depends on how wealthy one is, whether one has employer provided insurance, how good that insurance is and if one had an experience of serious personal medical illness or that of a family member or not.

Even though many American citizens swear their American healthcare is the best in the world, many others are confused and scratching their heads wondering why the system is as bad as it is. I believe one’s impression of American healthcare depends on how wealthy one is, whether one has employer provided insurance, how good that insurance is and if one had an experience of serious personal medical illness or that of a family member or not. Also, if one uses the yardstick of measuring the health of a nation as a whole, including those that are poor or unemployed or chronically sick, one’s opinion will be less than stellar. Unfortunately, the nation does not seem to be keeping its promise promulgated in the Declaration of Independence on protecting the fundamental rights of Life, Liberty and the Pursuit of Happiness to all the citizens even though it affirms that, “… all men (and women) are created equal.” Without such affirmation, the Western developed societies seem to be more equal than the USA when it comes to providing healthcare. Comparing and contrasting the American medical industrial business complex with that of Western developed nations and expressing it in brief opinion statements will not do justice to the complexity of healthcare delivery. As a neurosurgeon, practicing for 24 years in Flint, MI, I am quite aware of that complexity through my personal experience.

Like any general neurosurgeon in a community practice, I took care of patients with all kinds of health insurance plans including many uninsured patients. Patients who were insured had varying benefits depending upon how good their insurance was. Senior citizens had Medicare which was reasonably good. The poor were covered by Medicaid and other equivalent insurance companies. Unfortunately, reimbursements by these companies for physician and diagnostic services were so bad many doctors wouldn’t accept their enrollees. The patients that had comparatively better benefits were the ones that had plans provided by commercial private insurance companies like United Healthcare, Aetna, Cigna and Humana and the so called non-profit Blue Cross Blue Shield. Premiums for such coverage were not only expensive, but also kept rising in cost every year. These plans gave a false sense of good coverage as long as the employees didn’t get sick or lost their jobs.  

The number one reason for personal bankruptcies in America is medical illness.

Some that were unemployed or had to buy individual insurance and not able to get group rates, found the costs prohibitive and opted to forego any insurance at all. Many who had private health insurance, mostly paid by their employers, felt their insurance was affordable, wonderful and they were happy with it. However, there were some unappreciated facts about private health insurance. One of the reasons the illusion that premiums for private health insurance were affordable was because companies would choose healthy members and deny insurance to the unhealthy with the excuse of pre-existing conditions. Also, the moment one developed any illness, like pre-diabetes for example, insurance companies denied benefits or simply terminated one’s coverage. I came across many self employed patients who lost coverage because of new treatable medical problems. Many thought they had good coverage with generous benefits only to find out that their coverage was meager, leaving them with thousands of dollars of medical expenses when a loved one in the family got sick. No wonder many went bankrupt!

The number one reason for personal bankruptcies in America is medical illness. Shockingly almost 70% of those that went bankrupt had private insurance.  Additionally, these insurance companies used preexisting conditions as an excuse to terminate coverage if the patient was deemed to be costing them significant medical expenses. If you lost your job, good luck with getting any kind of insurance. You may end up in ER, even for simple medical problems, increasing healthcare costs and thus becoming a burden on society. Doctors are mandated to take care of you in the ER but citizens are not mandated to get health insurance. Since the insurance companies were picking and choosing healthy enrollees and shedding those who were sick, the healthy enjoyed relatively low premiums at the expense of the sick. All that changed when Obamacare became the law of the land.

The Sick American Healthcare System & The Birth of Obamacare

Throughout my years of practice, one perplexing question has bothered me time and again; how can there be millions of citizens uninsured and many more underinsured in the USA, the most powerful country in the world with the largest economy? This question has sparked my interest to dissect and analyze the healthcare system in our country. I wanted to see if I could diagnose the root cause responsible for the ills of American healthcare. Having dealt with private insurance companies, pharmaceutical companies, device manufacturers, hospital CEOs and players in every facet of the American healthcare delivery for many years, it is not hard to diagnose the cancer that is destroying the system, if we can call it a system in the first place. That cancer is this: the fundamental principle that healthcare in America, instead of being considered a human right, is a profit oriented business driven by greed and perpetuated by a corrupt political system beholden to special interest lobbyists. It is the principal reason that underlies the uncontrollable, skyrocketing and unaffordable healthcare costs in America. 

The for-profit unnecessary middlemen private insurance companies, the greedy pharmaceutical and medical device manufacturers and the so-called not-for-profit hospitals that are, in reality, for-profit are the main culprits. Some doctors and many enterprises providing diagnostics, nursing and home health services are fraudulent and add to the escalating healthcare expenditures. Since greed and profit are significant components to the American healthcare delivery business, as long as government does not regulate it, and citizens continue to pay – it is inevitable for the costs to become unaffordable. As soon as he became president, Obama made healthcare reform the first major legislation of his presidency. His intention was good in that he wanted every American to have affordable and decent healthcare. He asked The American Medical Association for help because he knew the nation was not going to accept a Scandinavian style Single Payer System and wanted at least a public option. But Senator Max Baucus, who was the chairman of Senate Finance Committee, told President Obama if he wants any healthcare legislation to be passed with filibuster proof 60 votes in the senate, he had to forget the public option. The only reason that public option did not realize, was because insurance companies realized that such an option would be a formidable competitor which could kill their companies. They made sure politicians didn’t vote and providing solid proof of the influence and grip of private insurance companies over US Congressmen and women. Obamacare was born without any public option and became the law of the land.

The Death of Obamacare

When Obamacare became the law of the land, I predicted then, that noble it might be in its intention, the Affordable Care Act (ACA) was going to fail to provide universal, decent affordable healthcare because it did not harness the root causes of greed and profit. As a consequence, many citizens experienced increased premiums, became very angry with Obamacare and the conservative Tea Party was born. This Tea Party demanded the repeal of Obamacare. During the following midterm elections President Obama lost the Democratic majority in the US House of Representatives. The now majority Republican House of Congress attempted many times to repeal and replace Obamacare without actually providing a replacement plan even though Obamacare did have many good aspects to it.

There were 45 million uninsured and many more underinsured Americans resulting in 45,000 people dying annually before Obamacare. With the ACA and Medicaid expansion, 11 million uninsured were able to get some kind of insurance and their health got better compared to when they had no insurance. Health insurance exchanges allowed many to join the individual market and get plans which suited their economic condition. As a result, an additional 11 million citizens could become insured. There were other commendable aspects to the ACA.

Obamacare banned pre-existing condition denials, eliminated limits on coverage, expanded basic benefit packages, included preventive care, and allowed children to stay on their parents’ plans until 26 years of age. Also, insurance companies were restricted on claiming high administrative costs which included private jets, dining on gold rimmed plates, incredible salaries, stock options and bonuses for their CEOs. 

In order to maintain their profit margins, private insurance companies raised premiums, pushed medical expenses onto patients in the form of co-pays, high deductibles and co-insurances. President Obama trusted insurance companies to create healthcare exchanges which would provide affordable health plans to deliver as was promised. He also promised citizens could keep their private health insurance and their doctors if they were happy with them. Contrary to the promises made by President Obama, many could not keep their insurance or doctors. Little did the President know that the private insurance companies were not interested in providing quality affordable healthcare. Their mission was to make as much profit as possible for themselves and their stakeholders. Many charged higher premiums and eventually pulled out of the exchanges, all the while making incredible profits. No wonder there was a backlash against Obamacare. Unfortunately, President Obama received all the blame instead of the greedy useless middlemen-for-profit and so called non-profit insurance companies.

The Tea Party and many Republican politicians fanned the flames of hatred towards the fear of Obamacare becoming a government take over that would turn America into a socialist country. That didn’t happen, but still many have a deep visceral hatred towards Obamacare, aligning it with the likes of socialism and communism. 

It would be interesting to know, how many Americans have traveled to Scandinavian countries to see for themselves how their healthcare systems are run. I have personally come across many patients who’ve hated Obamacare, calling it socialized medicine, even though they were getting benefits by the ACA. I am surprised at the extent of animosity towards the ACA, even though millions of citizens have gained access to some healthcare as opposed to none before Obamacare. This has inspired me to pick up my camera and to go around the world to shine the light of the truth of healthcare in America and other comparable developed nations.

Healthcare in Western European Nations

As part of my journey to understand and compare the American healthcare system to that of the Western European nations, I’ve traveled to France, England, Germany, Sweden, Holland, Denmark and also the former communist countries; Czech Republic and Hungary. I’ve talked with doctors, as well as, ordinary citizens. I came to know many facts about their healthcare systems. Contrary to the USA, many of these developed nations consider healthcare a human right and not a profit-oriented business. There is no country among them with perfect healthcare systems, but they do provide better universal healthcare for much less than that of America. They do it by way of just and fair government oversight of all the players in healthcare delivery and by controlling prices. Consequently, there is a reining in of uncontrolled greed and profit. Whereas America allows greedy, profit-oriented enterprises to dictate the markets, expecting them to be fair. Unfortunately, this is unrealistic. One of our founding fathers realized this truth that government oversight is essential. Without such monitoring selfishness reigns unchecked. 

“If men were angels, there would be no need for government; but men aren’t angels.” – James Madison

The democratic socialist countries have grasped this truth and implemented checks and balances over greed and profit through systems that suit their countries. We don’t have to reinvent the wheel. We can pick and chose the ones that suit our country. Here are some of facts I’ve learned through my global journey documenting healthcare systems:

  • First of all, there is no free healthcare in any of these countries, including the democratic socialist Scandinavian ones. Healthcare is paid for by taxes from citizens which are progressive depending on one’s income. By the way, in Denmark and Sweden those taxes provide not only decent healthcare but also cover other costs for children up to and including university education. For that reason, they do not complain much about paying taxes (see video: https://vimeo.com/360702459). As an American citizen, I pay a lot of taxes but get zero healthcare or education relief for my family and myself. Instead, I see a lot of those taxes going towards unnecessary wars and tax breaks for the wealthy.
  • In order to ensure healthy citizens enroll in health insurance to achieve lowered premiums for everybody, the government must mandate buying health insurance. I remember talking to a girl in Amsterdam, Netherlands the day before her 18th birthday. She said on her 18th birthday she has to get her own health insurance and would no longer be on her parents’ plan. With individual mandate repealed in the USA, the premiums will continue to skyrocket.
  • There is an impression that some people in socialist countries are lazy, non-working moochers who still get to reap all the benefits. Sweden makes sure their government looks for jobs for the unemployed who are receiving unemployment benefits. If they refuse to take that job their benefits will be cut off. In America I see so many patients applying for disability and getting it without any significant physical or mental handicaps. The lawyers that are part of this disability benefits industry are making it worse, because they benefit financially from securing such benefits for their clients.
  • Regarding insurance company profits, Western governments make sure there is a decent benefit package and ensure a limit on CEO profits and salaries. In spite of it, the more the insurance companies are involved in healthcare delivery the more expensive the system becomes. That’s why Switzerland, which has significant participation by these companies, costs close to what America costs per capita.
  • As far as pharmaceuticals, in France patients don’t pay much for drugs. The country does not allow price gauging. Also PhARMA dictates the prices. The PhARMA lobbyists influenced politicians to forbid Medicare, the largest health insurance entity in the world, to bargain for discount prices through its economy of scale. How is this fair market economy as they claim America is?
  • Device manufacturers in Germany sell directly to hospitals with one of their employees as a liaison to make sure there is smooth supply of devices and the medical personnel are properly trained. They are also available to troubleshoot. In America, there are layers upon layers of distributors. A national distributor that contracts with a regional distributor who in turn contracts with state distributors. The state distributor then contracts with sales people for different locations in the state. No wonder a spinal pedicle screw in America costs 50 to 100 times that of the actual manufactured cost and is many times higher than in other countries.
    By the way, the health insurance companies, which are unnecessary middlemen to begin with, also have middlemen; middlemen for middlemen! They are called insurance agents or brokers who are actually recruiting enrollees by promising comprehensive benefit packages but delivering skimpy benefits and denying claims for medical costs. They add unnecessary administrative and profit costs which then explains unaffordable premiums. While patients are going into debt or bankruptcies, brokers and CEOs of the insurance companies they are channeling the enrollees to live lavishly and fly around in private jets.
  • Doctors get paid more in the USA upfront but pay for health and education and other ancillary services like nursery care later. One of the orthopedic surgeons I talked with in Paris, told me that in France taxes are taken out upfront for education, healthcare and other services so the doctors’ take home pay is less but evens out.
  • Hospitals are paid like global budgets and non-profit hospitals are generally managed as such, not as for-profit as done in America. By the way, the CEOs of these non-profit hospitals in America make millions without ever putting a single dollar of their own money as an investment. They play with hospital money. In England the hospital administrators get salaries, not huge bonuses.
  • Even the ex-communist countries like the Czech Republic and Hungary, abandoned the communist political system but kept state run universal healthcare system.
  • Every citizen in Canada, our neighbor to the North, gets a Medicare card which covers their essential healthcare needs from birth till death. The emergent care is taken care of appropriately. Of course, many Americans ask the question, why do Canadians wait longer, than in America for non-emergent healthcare interventions? That is the wrong question to ask. As Americans, we should instead be asking a different question; how can we allow 30,000 citizens to die annually due to lack of healthcare in the most powerful country on earth? Everybody knows, it is always better late than never.

Obamacare is not perfect, but Trumpcare will be worse. President Trump said, during his presidential campaign in 2016, that he was going to provide the best healthcare for cheaper prices and it was going to be “easy.” The moment he became president, he said nobody knew healthcare was so complicated. He may be the only one that thinks healthcare is easy. As long as President Trump surrounds himself with cabinet members who are ex-lobbyists, like Alex Azar who was a PhRMA lobbyist, pharmaceutical costs will remain uncontrolled. Trump’s idea that private insurance companies can be trusted to bring premiums down is pure wishful thinking. Additionally, his plan to privatize Medicare and Medicaid will only make healthcare unfortunately more unaffordable.

Unless government oversight either eliminates or significantly reins in the greed and profit in the medical industrial business complex the ills of American healthcare will not be cured. It is time to create a society that is  true to the fundamental American principle of guaranteeing Life , Liberty and the Pursuit of Happiness to all citizens.

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Three Myths About Private Health Insurance Companies in America

DrPalavaliLeave a comment

There is a prevailing false belief that many Americans love their private health insurance and they have choice of doctors, get quality healthcare at affordable prices. Wrong! As a practicing neurosurgeon for 23 years, I can tell you, it can’t be farther from the truth.

First some facts!

The United States of America spends the highest amount of money in the world for healthcare; $3.5 trillion annually. That’s $10,224 per capita and more than $40,000 for a family of four. Whereas Organization for Economic Cooperation and Development (OECD) countries, committed to democracy and the market economy, average $5280 while also providing better universal healthcare with longer life spans.  USA has no universal healthcare, instead it has 30 million uninsured and 60 million underinsured citizens. 

Sadly, the number one reason for personal bankruptcy in America is medical illness in a family. One million Americans will go bankrupt each year, in spite of 70% of them having health insurance. 

The fundamental philosophical difference between USA and other western developed nations is that the later countries treat healthcare as a human right while America treats it as profit-oriented business with little or no government oversight. As a result, there are no price controls and many vendors charge exorbitant prices and get away with it as long as possibly allowed. 

One of the primary causes for unaffordable healthcare costs is that many sectors of healthcare delivery in America have unnecessary middlemen. Even worse, the middlemen have middlemen, the most important of them is health insurance companies themselves and their agents recruiting enrollees. This is the reason insurance premiums do not come down, instead they keep going up because they have to account for the administrative, publicity, marketing costs and profits, even in so called not-for-profit companies like BCBS. Some sectors even have 4-5 layers of middleman distributors as seen in medical device distributors. Additionally, there are Pharmacy Benefit Manager middlemen who profit from commission from the manufacturers as well as retailers. 

Then there are special interest lobbyists that wield undue control over healthcare legislation by influencing the lawmakers through financial contributions. On example being PhRMA (Pharmaceutical Manufacturer and Research Association) attempting to forbid Medicare bargaining for discounts on drugs when President George W. Bush signed the Medicare Prescription Drug, Improvement, and Modernization Act into law in 2003. Medicare, the largest insurance company in the world with 50 million enrollees, is the only company forbidden from bargaining in spite of its economy of scale.  

Now, let’s talk about the myths of private insurance companies.

The Myth of Choice of Doctors:

The only citizens that have some choice of doctors in private insurance companies are the ones who have master medical or platinum plans, but they are a minority. The majority may have PPO plans, which are allowed to have some choice among the in-network doctors but leave no choice in the lesser plans. The insurance company will dictate which doctor you can see and some doctors may not even accept those lesser plans.

The Myth of Quality Healthcare:

Good luck with quality healthcare if you have lower tier health plans. First of all, the essential benefits may not be covered if one is enrolled in cheap plans. Secondly, even those will be either denied or delayed through the grueling and frustrating authorization process and denials. Meanwhile, the patient is suffering and his or her medical condition is getting worse. Simple necessary diagnostics and interventions will not be performed in timely fashion endangering the health and well-being of the enrollee. I see this in my practice, where an MRI or physical therapy is not approved for neck or back pain. As a result, many patients resort to narcotics for longer period of pain relief, become less functional, go on sick leave and may even become prescription pill addicts. That’s not quality healthcare!

The Myth of Affordable Premiums:

In my 23 years of practice, I have not come across a single patient that said, “I love my affordable private insurance.” On the other hand, it is routine for me to hear patients complaining they cannot afford their premiums, deductibles or co-pays. They are foregoing their health issues from getting diagnosed and treated in a timely and appropriate manner. I do not recall hearing the premiums coming down in recent years. In fact, many private insurance companies have pulled out of exchanges, leaving many uninsured or forcing them to choose even more expensive plans. Also, these companies are pushing much of the costs onto the enrollees or their employers, who in turn transfer them to the employees. As a result, the deductibles, co-pays and co-insurance costs keep going up in relation to inflation and normal cost of living, so do the premiums and the billions of profits of these companies and their CEOs.

Beware of Trump and his Republican politicians that want to repeal and replace Obamacare and some of its benefits. When they do that, the insurance companies will underinsure by providing skimpy plans with less essential benefits for more expensive premiums. There will not be free preventive healthcare. Children may not be able to continue on their parents’ plans till they are 26 years old. There will be a ceiling on how much care will be covered forcing many more to go bankrupt if there is a catastrophic medical illness in the family. Worst of all they will use the excuse of pre-existing conditions denying insurance outright, increasing the number of uninsured in the country by many more millions.

That will be, to quote Trump, “SAD, VERY SAD!”.